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Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities (Tables)
 12 Months Ended
Oct. 31, 2025
Text Block [Abstract]  
Summary of Maximum Amounts Payable Under Various Commitments
The maximum amounts payable related to our various commitments are as follows:
 
(Canadian $ in millions)   
2025
      2024  
Financial Guarantees
      
Standby letters of credit
   
$
29,409
 
    $ 30,523  
Credit default swaps
(1)
   
 
23,507
 
      16,211  
Other Credit Instruments
      
Backstop liquidity facilities
   
 
18,358
 
      18,224  
Documentary and commercial letters of credit
   
 
2,504
 
      1,893  
Commitments to extend credit
(2)
   
 
238,884
 
      230,689  
Other commitments
(3)
   
 
9,632
 
      10,093  
Total
   
$
    322,294
 
    $     307,633  
 
  (1)
The fair value of the related derivatives included in our Consolidated Balance Sheet was $1 million as at October 31, 2025 ($8 million as at October 31, 2024).
  (2)
Commitments to extend credit exclude personal lines of credit and credit cards that are unconditionally cancellable at our discretion.
  (3)
Other commitments include $1,664 million as at October 31, 2025 ($4,511 million as at October 31, 2024) of underwriting commitments that are extended but not yet accepted by the borrower.
Summary of Pledged Assets and Collateral
 
The following tables summarize our pledged assets and collateral, and the activities to which they relate:
 
(Canadian $ in millions)   
2025
      2024  
Bank Assets
      
Cash and due from banks
   
$
108
 
    $ 80  
Securities
(1)
   
 
      174,514
 
          139,553  
Loans
   
 
59,886
 
      71,419  
Other assets
   
 
11,149
 
      10,314  
    
 
245,657
 
      221,366  
Third-party Assets
(2)
      
Collateral received and available for sale or
re-pledging
   
 
232,840
 
      195,071  
Less: Collateral not sold or
re-pledged
   
 
(48,081
)
      (45,087 ) 
    
 
184,759
 
      149,984  
Total pledged assets and collateral
   
$
430,416
 
    $ 371,350  
(Canadian $ in millions)   
2025
      2024  
Uses of pledged assets and collateral
      
Clearing systems, payment systems and depositories
   
$
18,136
 
    $ 26,203  
Foreign governments and central banks
   
 
38
 
      46  
Obligations related to securities sold short
   
 
54,876
 
      35,030  
Obligations related to securities sold under repurchase agreements
   
 
119,956
 
      97,878  
Securities borrowing and lending
(3)
   
 
122,729
 
      99,405  
Derivatives transactions
   
 
21,870
 
      19,224  
Securitization
   
 
21,873
 
      23,739  
Covered bonds
   
 
23,125
 
      27,235  
Other
(4)
   
 
47,813
 
      42,590  
Total pledged assets and collateral
   
$
430,416
 
    $ 371,350  
 
  (1)
Includes NHA MBS of $6,690 million, which are included in loans in our Consolidated Balance Sheet ($5,492 million as at October 31, 2024).
  (2)
Includes
on-balance
sheet securities borrowed or purchased under resale agreements and
off-balance
sheet collateral received.
  (3)
Includes
off-balance
sheet securities borrowing and lending.
  (4)
Includes $16,734 
million of assets that have been pledged to support Federal Home Loan Bank activity
($21,235 million as at October 31, 2024).
Summary of Changes In Provision Balance
Changes in the provision balance during the year were as follows:
 
(Canadian $ in millions)                   
2025
                    2024  
     
Restructuring and
severance
     
Legal
     
Total
      Restructuring and
severance		     Legal     Total  
Balance at beginning of year
   
$
        164
 
   
$
        95
 
   
$
        259
 
    $         335     $       1,243     $       1,578  
Additional provisions/increase in provisions
   
 
125
 
   
 
34
 
   
 
159
 
      101       67       168  
Provisions utilized
   
 
(129
)
   
 
(79
)
   
 
(208
)
      (210 )      (19 )      (229 ) 
Amounts reversed
   
 
(36
)
   
 
(5
)
   
 
(41
)
      (59 )      (1,196 )      (1,255 ) 
Foreign exchange and other
   
 
–
 
   
 
2
 
   
 
2
 
      (3 )      –       (3 ) 
Balance at end of year
   
$
124
 
   
$
47
 
   
$
171
 
    $ 164     $ 95     $ 259